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本文在回顾了中国利率市场化的历程后,从五个方面比较分析利率市场化前后的金融运行状况,发现利率市场化后股份制银行利率上浮的幅度变化不大,部分城商行和农商行变化明显;利率市场化使得银行存贷利差缩小,对中小金融机构的影响尤为明显;利率市场化能够在一定程度上缓解中小企业融资难的问题,同时也带来了人民币升值压力。最后,根据比较分析的结果,提出了促进金融稳健运行的对策建议。
After reviewing the course of marketization of interest rates in China, this paper compares the financial performance before and after the marketization of interest rates from five aspects and finds that the interest rates of joint-stock banks did not change much after the marketization of interest rates and the changes of some city commercial banks and rural commercial banks were obvious ; The marketization of interest rates made the bank deposit and lending spread narrowed, especially for small and medium-sized financial institutions; the marketization of interest rates could ease the financing difficulties of small and medium-sized enterprises to a certain extent, at the same time, it also brought the pressure of RMB appreciation. At last, according to the result of comparative analysis, some countermeasures and suggestions are put forward to promote the steady operation of the financial system.